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The Blog

RAA

Our expertise in the industry allows us to assist you with the important decisions you will make before and after retirement.

Recent Posts

Should You Name a Trust as an IRA Beneficiary?

Posted by RAA on Sep 6, 2017 2:28:47 PM


Contrary to popular belief, there are times when two rights can make a wrong. Both trusts and IRAs are important components of any estate plan, and there are compelling reasons to use each one.

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Topics: Estate Planning

2017 - What Does it Hold?

Posted by RAA on Jan 8, 2017 4:00:00 PM


As we head into the new year, let’s briefly review 2016 and then discuss our outlook for 2017. When 2016 began, the S&P 500 stood at 2045 and as of November 4th it was at 2085, or essentially flat to modestly higher. This paralleled our 2016 outlook for a low return environment due to above average valuations.

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Topics: Investment Updates

The New Administration and the Market

Posted by RAA on Dec 6, 2016 12:00:00 PM


Now that the election is over, there is the potential for policy settings to flip from “easy money, tight fiscal” to “tight money, easy fiscal.” By “tight money,” we mean that interest rates are going higher, as we have already seen.

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Topics: Investment Updates

Charitable Contributions from IRAs

Posted by RAA on Nov 3, 2016 5:00:00 PM


The Pension Protection Act of 2006 first allowed taxpayers age 70½ or older to make tax-free charitable donations directly from their IRAs. Technically, these taxpayers were allowed to exclude from gross income otherwise taxable distributions from their IRA (“qualified charitable distributions,” or QCDs), up to $100,000, that were paid directly to a qualified charity.

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Topics: Estate Planning

Earnings Matter Most

Posted by RAA on Nov 3, 2016 4:30:00 PM


The above was the headline from the October 10, 2016 research report from the Bank Credit Analyst (BCA). However, you would never know it from where the stock market is currently trading.

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Topics: Investment Updates

Will the Election Outcome Affect the Stock Market?

Posted by RAA on Oct 5, 2016 4:00:00 PM


If history proves a useful guide, the outcome of the upcoming presidential election in the US is unlikely to have a major bearing on the performance of the stock market. Economics, in the end, always trumps politics (no pun intended).

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Topics: Investment Updates

New Procedure for Taxpayers Who Miss the 60-day Rollover Deadline

Posted by RAA on Oct 5, 2016 3:00:00 PM


If you’re eligible to receive a taxable distribution from an employer-sponsored retirement plan like a 401(k), you can avoid current taxation by directly rolling the distribution over to another employer plan or IRA (with a direct rollover you never actually receive the funds).

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Topics: Financial Planning

Medicare Open Enrollment - Pitfalls and Opportunities

Posted by RAA on Sep 6, 2016 3:00:00 PM


If you’re like most people, the information you receive about Medicare through the mail, from insurance agents, or talking with friends, family, and co-workers is confusing! And the abundance of conflicting information can leave you anxious, worrying that you’ll do the wrong thing like miss a key enrollment period or incur hefty penalties.

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Topics: Financial Planning

We Feel a Correction Is Coming

Posted by RAA on Sep 6, 2016 1:00:00 PM


The post-BREXIT rebound has pushed stocks into overbought territory. U.S. equities, in particular, look increasingly priced for perfection (meaning there is no room for error); this, when the Fed is talking more hawkishly about raising the federal funds rate, maybe even at their September meeting.

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Topics: Investment Updates

Facing the Possibility of Incapacity

Posted by RAA on Aug 7, 2016 4:00:00 PM


Even with today’s medical miracles, it’s a real possibility that you or your spouse could become incapable of handling your own medical or financial affairs. A serious illness or accident can happen suddenly at any age, such as a fall, head injury, or automobile accident.

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Topics: Estate Planning